First Interstate Bank of Montana, National Association in Kalispell, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 21, 1997

  • First Interstate Bank of Montana, National Association in Kalispell, Montana (MT)
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First Interstate Bank of Montana, National Association - Overview

  • General
  • FDIC Certificate #: 2189
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Interstate Bank (#1105)
    Federal Reserve ID: 609953
    Date Established: April 15, 1891
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 1449
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 21, 1997
    Last Structure Change Process Date: July 01, 1997
    Last Data Update: July 01, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 Main Street, Kalispell, MT 59901
    County: Flathead
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Billings
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Kalispell, MT (#28060)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $284.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $93Total assets
  • $293,648Cash and due from depository institutions
  • $38,087Interest-bearing balances
  • $0Securities
  • $51,135Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $178,792Loan loss allowance
  • $3,152Trading account assets
  • $0Bank premises and fixed assets
  • $8,565Other real estate owned
  • $173Goodwill and other intangibles
  • $5,804Life insurance assets
  • $11,092All other assets
  • $0Total liabilities and capital
  • $293,648Total liabilities
  • $258,595Total deposits
  • $192,781Interest-bearing deposits
  • $134,389Deposits held in domestic offices
  • 192781.00%% insured (estimated)
  • $79Federal funds purchased & repurchase agreements
  • $64,309Trading liabilities
  • $0Other borrowed funds
  • $3Subordinated debt
  • $0All other liabilities
  • $1,502Total equity capital
  • $1,502Total bank equity capital
  • $35,053Perpetual preferred stock
  • $0Common stock
  • $6,646Surplus
  • $27,977Undivided profits
  • Memoranda
  • $430Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $390Income earned, not collected on loans
  • $1,445Earning assets
  • $229,927Long-term assets (5+ years)
  • $68,414Average Assets, year-to-date
  • $276,492Average Assets, quarterly
  • $285,962Volatile liabilities
  • $70,519Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $23,641Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $23,959Total risk weighted assets
  • $196,797Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,778Total interest expense
  • $1,937Net interest income
  • $2,841Provision for loan and lease losses
  • $500Total noninterest income
  • $548Fiduciary activities
  • $78Service charges on deposit accounts
  • $253Trading account gains & fees
  • $0Additional noninterest income
  • $217Total noninterest expense
  • $2,174Salaries and employee benefits
  • $754Premises and equipment expense
  • $285Additional noninterest expense
  • $1,135Pre-tax net operating income
  • $715Securities gains (losses)
  • $0Applicable income taxes
  • $287Income before extraordinary items
  • $428Extraordinary gains - net
  • $0Net income attributable to bank
  • $428Net charge-offs
  • $331Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 2.06%Cost of funding earning assets
  • 0.84%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 0.24%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.15%Return on assets (ROA)
  • 0.15%Pretax return on assets
  • 0.26%Return on equity (ROE)
  • 1.46%Retained earnings to average equity (YTD only)
  • 1.46%Net charge-offs to loans
  • 0.17%Credit loss provision to net charge-offs
  • 151.06%Efficiency ratio
  • 57,657Assets per employee
  • 3.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 808.21%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 92.74%Net loans and leases to core deposits
  • 95.83%Equity capital to assets
  • 11.94%Core capital (leverage) ratio
  • 8.48%Tier 1 risk-based capital ratio
  • 12.17%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $276,492Average earning assets
  • $29,285Average equity
  • $231,471Average loans

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